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I've no real idea what those ratios are though.

You should check with a lender but I expect the monthly payment guideline for the mortgage to be 25% to 28% of your income. That probably includes taxes and insurance along with principal and interest.

You need to have your budget nailed down along with the income you expect to take and be prepared to show those assets that will produce the income. Don't forget Social Security income.

You mentioned Florida suggesting you are moving out of state. Have you lived in FL for any amount of time? I know nothing of your experiences but suggest a good look around the country before committing to a purchase unless you have "been there."

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